So I am off contract with iphone 6 plus which ATT subsidized and want iphone 7 plus. But now I need to deal with AT&T NEXT plan rather then subsidized upgrade phone. I am at a lose as where my subsidy money goes now that I don't get it any more. In my mind the cost of service just went up, considering all previous years I be under contract and they in turn paid part of new iphone. There is no subsidy with NEXT plan? My phone bill will not go down in any way if buy new phone. My understanding of the NEXT plan give your a 24 month interest free loan (that is it). If I choose use it there will be a $36 a month addition charge for 24 months of iphone 7 plus base model. On top of new activation fee as well. If I decide not to upgrade my bill will stay the same even though ATT wont be subsiding a phone for me, they just keep the money they use give Apple. Being that last phone was subsidized (phone 6) forgive my ignorance.